In a candid conversation that offers a rare glimpse into the financial world of Bollywood's elite, entrepreneur Mira Kapoor has detailed her personal investment philosophy. Speaking on a recent podcast episode, Kapoor outlined the three asset classes that form the cornerstone of her portfolio, emphasising a long-term, tangible approach to wealth building that starkly contrasts with her husband Shahid Kapoor's methods.
Mira Kapoor's Tangible Investment Trinity
During her appearance on the podcast hosted by Masoom Minawala, Mira Kapoor explained her preference for physical, enduring assets. "I have different ways to invest my money. Our parents have taught us and that will never be wrong. Things like metals, art and jewellery," she revealed. For Kapoor, these are not merely decorative luxuries but serious financial instruments. She elaborated that her interest goes beyond aesthetics, stating these investments are pursued "not just because they are lovely to wear, but I just have a keen interest in it." This approach highlights a strategy rooted in passion and heritage, valuing assets that can be appreciated both financially and personally.
A Contrast in Styles: Mira vs. Shahid's Financial Strategies
Kapoor was quick to point out that her investment style is distinctly different from that of her actor-husband, Shahid Kapoor. She attributed this divergence to their differing roles and responsibilities. "Shahid's way of doing things is very different. His responsibilities are different, so he invests differently," she noted. While she did not specify Shahid's exact strategies, Mira characterised her own approach as more conservative and long-term oriented. "I like to look at things slightly more long term. I don't like to dabble in stocks. And I enjoy investing in other companies," she shared, suggesting a possible interest in private equity or business ventures outside the volatile stock market.
Expert Advice for Beginner Investors in India
While Mira Kapoor's strategy works for her, financial experts advise a more foundational approach for new investors. Rohit Mahajan, Founder and Managing Partner at Plutos ONE, stresses that the journey should begin with security, not speculation. "Creating a basic emergency fund covering at least six months of expenses and securing adequate health insurance should be the first priorities before investing," he advised in comments to indianexpress.com. He issued a strong warning against Ponzi schemes or unregulated products that promise unrealistic returns, labelling them as financial traps.
For those ready to start, Mahajan recommends simple, transparent instruments like fixed deposits (FDs), recurring deposits (RDs), digital gold, or systematic investment plans (SIPs). Echoing this sentiment, Mukesh Pandey, Director of Rupyaa Paisa, emphasised the importance of clarity. He urged beginners to define their investment goals and risk tolerance clearly before committing funds. His suggested starting points include regulated mutual funds and SIPs, followed by government-backed schemes and, eventually, diversified equity funds for long-term wealth creation through compounding.
The overarching message from both the celebrity insight and the experts is clear: successful wealth creation is a disciplined, patient, and gradual process. It requires protecting one's base, saving consistently, and then investing wisely for the future—a principle that holds true whether one's portfolio contains glittering jewellery or digital SIP statements.
